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Have CC and Car with same creditor, filing on CC but not Car

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    #1

    Have CC and Car with same creditor, filing on CC but not Car

    Will this be a problem? We plan to reaffirm the car loan with this creditor but discharge the CC. Do you think they'll fight me? I will keep up to date on the car payments just as I have been.

    thanks!
    CJ
    341 on 8/3, determined NO ASSET
    60 day wait was over on 10/3/08. Discharged 12/23/08
    Tags: None
    #2
    Is the creditor you have both with happen to be a credit union?
    I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

    06/01/06 - Filed Ch 13
    06/28/06 - 341 Meeting
    07/18/06 - Confirmation Hearing - not confirmed, 3 objections
    10/05/06 - Hearing to resolve 2 trustee objections
    01/24/07 - Judge dismisses mortgage company objection
    09/27/07 - Confirmed at last!
    06/10/11 - Trustee confirms all payments made
    08/10/11 - DISCHARGED !
    10/02/11 - CASE CLOSED
    Countdown: 60 months paid, 0 months to go

    Comment

      #3
      Nope, it's Chase Manhattan bank
      CJ
      341 on 8/3, determined NO ASSET
      60 day wait was over on 10/3/08. Discharged 12/23/08

      Comment

        #4
        Originally posted by cj0203 View Post
        Nope, it's Chase Manhattan bank
        Is the credit card a Chase credit card through this bank?
        I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

        06/01/06 - Filed Ch 13
        06/28/06 - 341 Meeting
        07/18/06 - Confirmation Hearing - not confirmed, 3 objections
        10/05/06 - Hearing to resolve 2 trustee objections
        01/24/07 - Judge dismisses mortgage company objection
        09/27/07 - Confirmed at last!
        06/10/11 - Trustee confirms all payments made
        08/10/11 - DISCHARGED !
        10/02/11 - CASE CLOSED
        Countdown: 60 months paid, 0 months to go

        Comment

          #5
          Originally posted by cj0203 View Post
          Will this be a problem? We plan to reaffirm the car loan with this creditor but discharge the CC. Do you think they'll fight me? I will keep up to date on the car payments just as I have been.

          thanks!
          Techically, you're filing on both; just offering to reaffirm the car. I doubt they will complain - they'd rather have you car payments than your car anyway

          Comment

            #6
            Originally posted by lrprn View Post
            Is the credit card a Chase credit card through this bank?
            I'm not sure what you mean exactly. They are both thru Chase, but I don't use them except for the CC and car loan. I got them thru separate offers, they just both happened to be with the same company.
            CJ
            341 on 8/3, determined NO ASSET
            60 day wait was over on 10/3/08. Discharged 12/23/08

            Comment

              #7
              I believe banks to be a little more friendly than cu on this matter. You will probably be fine.

              Comment

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